Exhibit 3.3

                Articles of Correction of Gateway Bancorp, Inc.
                              dated April 11, 1995









                             ARTICLES OF CORRECTION

                                       OF

                             GATEWAY BANCORP, INC.

           Gateway Bancorp, Inc. (the "Corporation"), a Kentucky corporation, 
hereby files with the Secretary of State of the State of Kentucky these 
Articles of Correction with respect to the Corporation's Articles of 
Incorporation which were previously filed with the Secretary of State on 
October 4, 1994.

           These Articles of Correction hereby revise Article VII.A. of the 
Articles of Incorporation by deleting Article VII.A. of the Articles of 
Incorporation in its entirety and by replacing it with the following:

          A.    CLASSIFICATION AND TERM. Each director shall be 
                elected annually for a term of one year and until 
                his or her successor is elected and qualified.  At 
                the first annual meeting of stockholders at which 
                there are or would be nine (9) or more directors, 
                the Board of Directors, other than those who may be 
                elected by the holders of any class or series of 
                stock having preference over the Common Stock as to 
                dividends or upon liquidation, shall be divided 
                into three classes as nearly equal in number as 
                possible, with one class to be elected annually, as 
                set forth in the Bylaws of the Corporation.

           IN WITNESS WHEREOF, we have set our hands and the seal of the 
Corporation, this 11th day of April, 1995.



                                             GATEWAY BANCORP, INC.



Attest: /s/ HUNTER E. CLARK                   By: /s/ REBECCA R. JACKSON
       ----------------------------              ----------------------------
       Hunter E. Clark                           Rebecca R. Jackson
       Secretary                                 President


[CORPORATE SEAL]

                                       E-1